**EXHIBIT      10-27**

**Software      License Agreement for Snap-On Credit LLC **

----

----

** **

----

| Communication                Intelligence Corporation |   | Licensee |
|-------------------------------------------------------|--------|----------|
|   By:                                       |   |     |   By: |   |
|   Title:                                    |   |     |   Title: |   |
|   Date:                                     |   |     |   Date: |   |

----

**Key      Features & Benefits:**

| Ø   | Simply                User Interface: Prompts the signer to enter (optionally, automatically                populates) necessary data describing the signing                event |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Flexible                methods of signing: Sign documents with a simple click of the mouse,                handwritten signature, biometrically verified signature, voice, signature                stamp, fingerprint or PIN/PWD. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Display                of validation status: Display validation status to ensure that recipient                has ability to visually discern the validity of the                document. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Secure:                Uses Secure Hash Algorithm (SHA-1) , Triple DES encryption and X.509v3                digital certificates to create a secure “Ceremony Token” that includes the                signature, document hash and Ceremony                data. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Review                & Audit: Use Adobe’s architecture to track the history of the document                and view the details of the signature with regard to name, date,                time,                reason for signing and type of signature                used. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Portable:                Once signed, the signature is bound to the document and can be securely                transferred electronically. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Pre-                population of forms: The form author can customize the signature                area to                gather data (for eg: Name, Location, SS# etc) from other fields in                the                document. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Sectional                Signing: Allows the form author to associate and lock specific fields                to a                particular signature. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Sequential                Signing: The form author can create forms to automatically guide                a signor                through various signatures in a                document. |
|--------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Ø   | Advanced                SDK features (separate toolkit): |
|--------------------|----------------------------------------------------------|

| o   | Extract                signature from document |
|---------------|------------------------------------------------|

| o   | Create                pre-populated signature field dynamically at form creation                time |
|---------------|------------------------------------------------------------------------------------------------------|

| o   | Create                additional signature modules |
|---------------|----------------------------------------------------|

**Technical      Specifications:**

| ·   | Adobe®                Acrobat®                v6.0 or 7.0 for creation of signature boxes and/or signing |
|--------------------|--------------------------------------------------------------------------------------------------------------------|

| ·   | Adobe®                Reader®                6.0/7.0 (PDF documents need to be prepared with Adobe®                Document Server for Reader® Extensions)                for signing |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | Windows                2000 SP3 or XP SP2 (including Tablet PCs) |
|--------------------|------------------------------------------------------------------|

| ·   | Pen                input device for handwriting input |
|--------------------|-------------------------------------------------------|

| ·   | Admin                rights required for installation of Sign-it  |
|--------------------|------------------------------------------------------------------------|

| ·   | Minimum                8 MB hard disk space |
|--------------------|---------------------------------------------|

----

|   | 1. | License                fees. |
|--------|----|------------------------------|

|   | b. | Late                payments shall accrue interest at 1.5% per month or the maximum rate                allowable by law, whichever is                lower. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Late                payments shall accrue interest at 1.5% per month or the maximum rate                allowable by law, whichever is                lower. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

** **

| A. | Definitions.                For purposes of this Appendix, the following terms shall have the                following meanings. Any terms not defined in this Appendix shall                have the                meaning set forth in the Agreement. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Error(s):                means any verifiable and reproducible failure of the Product to materially                conform to the specification for such Product. The term “Error” shall not                include any failure of the Product that: (a) results from the misuse                or improper use of the Product; (b) does not materially affect the                operation and use of the Product; (c) results from any modification                to the Product not made by or on behalf of CIC; or (d) results from                the failure to incorporate or use any Updates or bug fixes after                such are                made available to Licensee by CIC . |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Error                Correction(s): shall mean either (a) a modification or addition to                or                deletion from the Product that, when made to such Product, materially                conforms the Product to the specifications for such Product, or (b)                a                procedure or routine that, when observed in the regular operation                of the                Product, eliminates the material adverse effect of such Error on                Licensee                or its customers. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Major                Error: means any demonstrable Error in the Product that: (a) causes                the                Product to have a significant loss of intended function as set forth                in                the specifications for the Product; (b) causes or is likely to cause                data                to be lost or destroyed; or (c) prevents the Product from being installed                or executed on the properly configured                environment. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | Moderate                Error: shall mean any demonstrable Error in the Product that: (a)                causes                the Product to operate improperly; or (b) produces results materially                different from those described in the specifications, but which error                does                not rise to the level of a Major                Error. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 5. | Minor                Error: shall mean any demonstrable Error that: (a) causes a function                to                not execute as set forth in the specifications for the Product, without                a                significant loss of intended functionality; or (b) disables one or                more                nonessential functions. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 6. | First                Level Technical Support: shall mean Licensee's or its authorized                technical                support agents' attempts to identify and resolve Errors remotely,                by                telephone, e-mail and fax communication. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 7. | Second                Level Support: shall mean support of Licensee’s or its authorized                technical support agent’s First Level Technical Support personnel to                identify and resolve Errors remotely, by telephone, e-mail or fax                communication. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 8. | Workaround:                shall mean that CIC has diagnosed the Error and has implemented,                or                enabled Licensee to implement, a temporary solution that allows the                Product to regain functionality and provide all major functions in                accordance with the specifications for the                Product. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | 9. | Update:                shall mean a version of the Product containing changes, including                but not                limited to, bug fixes, correction of errors and minor optimization                improvements not rising to the level of an Upgrade. An Update shall                mean                for example the change from version x.1 to x.2 and/or version x.x.1                to                x.x.2. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 10. | Upgrade:                shall mean a version of the Product containing changes, including                but not                limited to enhancements, major optimization improvements and new                functionality for which CIC charges similarly situated Licensees.                An                Upgrade shall mean for example the change from version 2.x.x to                3.x.x |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Licensee                Responsibilities. Licensee will provide all on site technical support                with                respect to the Product. Licensee agrees to notify CIC in writing                promptly                following the discovery of any Error. CIC agrees to make available                to                Licensee a list of known Errors and to notify Licensee in writing                promptly                following the discovery of any Error. Further, upon discovery of                an Error,                Licensee agrees, if requested by CIC, to submit to CIC a list of                output                and any other data that CIC may reasonably require to reproduce the                Error                and the operating conditions under which the Error occurred or was                discovered. All information, oral or written, communicated between                the                parties concerning any Errors, is deemed to be Confidential Information                and shall be governed by Section 8 of the                Agreement. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | CIC                Telephone and Online Support. Technical support communications between                Licensee and CIC will include electronic mail, facsimile, and telephone.                CIC’s support e-mail address is: tech_support@cic.com. CIC’s support fax                number is: 650-802-7777, and faxes should be addressed to Technical                Support Department. The technical support telephone is: 800-888-8242,                and                will be adequately staffed by a customer technical support representative                during CIC’s normal business hours of 8 a.m. to 5 p.m. Pacific time                (“Support Hours”). Voicemail is provided when the line is busy and during                non-business hours. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | CIC                Response to Errors. CIC will provide Second Level Support to Licensee                to                ensure a consistent and high level of operation of the Product. In                the                event Licensee notifies CIC of an Error in the Product, CIC will                provide                Second Level Support to Licensee or Licensee’s authorized technical                support agent to facilitate the implementation of an Error Correction                to                the Product. CIC shall use commercially reasonable efforts to correct                Errors in accordance with the below response times, with as little                disruption to Licensee’s service as commercially                practicable. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Major                Errors. CIC shall, within four hours of the receipt of notice of                any Major                Error, contact Licensee to verify such Major Error and begin a resolution                process. Upon CIC’s verification of such Major Error, CIC will use its                commercially reasonable efforts to provide a Workaround for such                Major                Error, and will use its commercially reasonable efforts to provide                an                Error Correction for such Major Error until such Error Correction                is                provided. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | Moderate                Errors. CIC shall, within 24 hours of the receipt of notice of any                Moderate Error, contact Licensee to verify such Moderate Error. Upon                CIC’s                verification of such Moderate Error, CIC will use its commercially                reasonable efforts to provide a Workaround for such Moderate Error.                CIC                will use reasonable commercial efforts to provide an Error Correction                for                such Moderate Error in the next scheduled maintenance release of                the                Product. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Minor                Errors. Upon CIC’s receipt of notice of a Minor Error and upon CIC’s                verification of such Minor Error, CIC will initiate work to provide                Error                Correction for such Minor Error in the next regular release of the                Product. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C. | Exclusions                from Support Services. Support Services under this Appendix C include                Second Level Support for the Product. Support Services do not include                support for any failure or defect in the Product caused by any of                the                following: |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | the                improper use, alteration, or damage of the Product by Licensee or                persons                other than CIC employees or consultants;                or |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | modifications                to the Products not made or authorized by CIC, unless such modifications                were made by a CIC employee, subcontractor, agent, or other third                party                acting on behalf of CIC. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| D. | Updates                and Upgrades. CIC will make Updates and Upgrades (as defined above)                available to Licensee from time to time upon the completion of such                Updates and Upgrades. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E. | Maintenance                and Support Fees: |
|----|----------------------------------------------|

|   | 1. | For                maintenance and support anticipated by the provisions of this Appendix                C                as delineated above, Licensee shall pay CIC __________________________.                Additionally, Licensee shall reimburse CIC for actual and pre-approved                travel, meals and lodging expenses incurred in providing on-site                maintenance and support hereunder. Such fees shall be paid within                15 days                after the date of receipt, by Licensee, of CIC's invoice together                with                documentation substantiating the hours worked and expenses incurred                pursuant to this Section. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | For                maintenance and support outside of the scope of the Product's                specifications and not otherwise provided for herein, Licensee shall                pay                CIC __________per hour, plus actual and pre-approved travel, meals                and                lodging expenses. Such fees shall be paid within 15 days after the                date of                receipt, by Licensee, of CIC's invoice together with documentation                substantiating the hours worked and expenses incurred pursuant to                this                Section. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| B.   | OTHER                OBLIGATIONS OF CIC (NOT                APPLICATION) |
|----------------|--------------------------------------------------------------------------|

----

| B. | CIC’s                  Toolkit allowing Licensee to construct its own version of SignatureOne                  Software Server (the “Server”) |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Warranty.                  CIC warrants that the CIC components of the Server will substantially                  conform to the specifications as set forth in Appendix F, hereto,                  the                  Statement of Work (“SOW”). This warranty shall remain in effect for ninety                  days from the date so designated for this purpose as set forth                  in the SOW.                  As soon as commercially practical, but in no more than fifteen                  days, from                  the date Licensee notes a condition, occurring within such ninety                  day                  warranty period, that it believes to be covered by this warranty                  it shall                  notify CIC of such condition in writing. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Cure.                  CIC shall have thirty days from the receipt of the notice per Section                  B1                  in which to cure the nonconformance to Licensee’s reasonable commercial                  satisfaction. If after such thirty-day period CIC has not cured                  the                  nonconformance, Licensee shall be entitled to a refund of the license                  fee                  paid to CIC for the Server. Upon such occurrence Licensee shall                  return to                  CIC all CIC components of the Server and related materials including                  written documentation. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

***Overview:***

***Assumptions***

| ·   | Development                  environment -                  ______________________________________. |
|--------------------|-----------------------------------------------------------------------------------------------------|

| ·   | Snap-On                  will perform the creation/management of profiles between the Customer                  Management System and the SignatureOne                  profiles. |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

***Timelines***

| ·   | BETA                  Release - Functional Solution with Documentation and examples |
|--------------------|-------------------------------------------------------------------------------------|

**________________________________**

| ·   | FINAL                  RELEASE - Functional Solution with Documentation, examples, and                  release                  notes |
|--------------------|----------------------------------------------------------------------------------------------------------------------------------------|

**_______________________________________________**

----